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Features & Benefits

360(degree) Female Protection Waiver of Premium Biennial Health Screening S$1.40 Day Premium
360(degree) Female Protection
Waiver of Premium
Biennial Health Screening
S$1.40 Day Premium

Underwritten by NTUC Income

NTUC Income’s network of advisers and partners provide life, health and general insurance to serve the protection, saving and investment needs of two million customers across all segments of society.

Terms & Conditions

1 The insured must survive for at least 7 days after the insured is diagnosed with a covered female illness before we pay the Female Illnesses Benefit. All payments are subject to the limit shown in the benefit table and the total amount under this benefit will not exceed 100% of the sum assured. You can claim for each female illness only once, except for cancer where you may claim more than once. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date. Please refer to the policy contract for further details and definitions of insured events.

 

2 We will pay this Female Surgeries Benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 50% of the sum assured. If the insured undergoes multiple female surgeries due to the same condition, we will only pay for one female surgery which has the highest benefit limit. You can claim for each female surgery only once, except for surgeries due to cancer. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date. Please refer to the policy contract for further details and definitions of the insured events.

 

3 We will pay this Support Benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 100% of the sum assured. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date, unless it is for reconstructive surgery benefit due to accidental burns or accident, or outpatient psychiatric benefit due to disfigurement from accidental burns or death of the insured’s spouse or child. Please refer to the policy contract for further details and definitions of the insured events.

 

4 You can claim for more than one insured event from the Female Illnesses Benefit, Female Surgeries Benefit and Support Benefit, up to the cover limit as set out in the benefit table, provided it is not for the same illness, surgery or cause except for cancer. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for that benefit will reduce accordingly. This policy will end when the total claims paid for the insured events under Female Illnesses Benefit amounts to 100% of sum assured, Female Surgeries Benefit amounts to 50% of sum assured and Support Benefit amounts to 100% of sum assured; or the death benefit is paid, whichever is earlier. Please refer to the policy contract for further details and definitions of the insured events.

 

5 This benefit can be claimed only once. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days after the cover start date.

 

6 The Biennial Health Screening Benefit is available from the second policy anniversary of the cover start date. We will write to you when this benefit is due, provided that there are no outstanding premiums due under your policy, and the policy is still in force. This benefit is not transferable and the health screening must be completed within 180 days from the date we write to you and conducted at any one of our panel of clinics listed on our letter to you. You can find the list of tests provided under this benefit on our website at www.income.com.sg.

 

7 Based on a monthly premium of $41.50 for a female, age 25, non-smoker who signs up for Lady 360 with a sum assured of $25,000 and a premium term till age 64. The premium of $1.40 per day is rounded up to the nearest $0.05, assuming there are 30 days in one month.

Important Notes & Disclaimer

This information is intended for general circulation and does not take into account the specific investment objectives, financial situation or needs of any particular person. Advice should be sought from a financial adviser regarding the suitability of the investment product, taking into account the specific investment objectives, financial situation or particular needs of any person in receipt of the recommendation, before the person makes a commitment to purchase the investment product. Any misstatement or non-disclosure of material facts may affect the validity of the policy. In the event that the person chooses not to seek advice from a financial adviser, he/she should consider whether the product in question is suitable for him/her.

 

This information is not a contract of insurance. The precise terms, conditions and exclusions of this plan are specified in the Policy Contract. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

 

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact the insurer or visit the GIA/LIA or SDIC website (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

 

This product is underwritten by NTUC Income and distributed by CIMB Bank.

 

This advertisement has not been reviewed by the Monetary Authority of Singapore.

 

Information is correct as at 24 February 2020.